UNITED COMMUNITY BANKS/GA (UCB) Stock Fundamental Analysis
NYSE:UCB - New York Stock Exchange, Inc. - US90984P3038 - Common Stock - Currency: USD
UCB gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 393 industry peers in the Banks industry. UCB may be in some trouble as it scores bad on both profitability and health. UCB has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
UCB had positive earnings in the past year.
UCB had a positive operating cash flow in the past year.
In the past 5 years UCB has always been profitable.
Each year in the past 5 years UCB had a positive operating cash flow.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.91%, UCB is in line with its industry, outperforming 56.74% of the companies in the same industry.
Looking at the Return On Equity, with a value of 7.24%, UCB is in line with its industry, outperforming 41.73% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.91% | ||
| ROE | 7.24% | ||
| ROIC | N/A |
ROA(3y)0.89%
ROA(5y)0.96%
ROE(3y)7.55%
ROE(5y)8.47%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
UCB has a Profit Margin of 26.36%. This is in the better half of the industry: UCB outperforms 67.94% of its industry peers.
UCB's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for UCB so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 26.36% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-11.42%
PM growth 5Y-4.36%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
UCB does not have a ROIC to compare to the WACC, probably because it is not profitable.
UCB has more shares outstanding than it did 1 year ago.
UCB has more shares outstanding than it did 5 years ago.
The debt/assets ratio for UCB is higher compared to a year ago.
2.2 Solvency
UCB has a debt to FCF ratio of 0.79. This is a very positive value and a sign of high solvency as it would only need 0.79 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 0.79, UCB is in the better half of the industry, outperforming 79.13% of the companies in the same industry.
UCB has a Debt/Equity ratio of 0.07. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.07, UCB is in the better half of the industry, outperforming 76.84% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.07 | ||
| Debt/FCF | 0.79 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC19.01%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 17.79% over the past year.
The Earnings Per Share has been decreasing by -0.76% on average over the past years.
The Revenue has grown by 8.58% in the past year. This is quite good.
Measured over the past years, UCB shows a quite strong growth in Revenue. The Revenue has been growing by 10.65% on average per year.
EPS 1Y (TTM)17.79%
EPS 3Y-9.37%
EPS 5Y-0.76%
EPS Q2Q%13.79%
Revenue 1Y (TTM)8.58%
Revenue growth 3Y10.44%
Revenue growth 5Y10.65%
Sales Q2Q%11.68%
3.2 Future
The Earnings Per Share is expected to grow by 9.46% on average over the next years. This is quite good.
Based on estimates for the next years, UCB will show a small growth in Revenue. The Revenue will grow by 7.01% on average per year.
EPS Next Y11.07%
EPS Next 2Y9.46%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year8.4%
Revenue Next 2Y7.01%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 12.12, UCB is valued correctly.
UCB's Price/Earnings ratio is in line with the industry average.
The average S&P500 Price/Earnings ratio is at 26.48. UCB is valued rather cheaply when compared to this.
With a Price/Forward Earnings ratio of 10.78, the valuation of UCB can be described as very reasonable.
The rest of the industry has a similar Price/Forward Earnings ratio as UCB.
UCB is valuated cheaply when we compare the Price/Forward Earnings ratio to 34.04, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.12 | ||
| Fwd PE | 10.78 |
4.2 Price Multiples
The rest of the industry has a similar Price/Free Cash Flow ratio as UCB.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.2 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
UCB's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.1
PEG (5Y)N/A
EPS Next 2Y9.46%
EPS Next 3YN/A
5. Dividend
5.1 Amount
UCB has a Yearly Dividend Yield of 3.26%. Purely for dividend investing, there may be better candidates out there.
UCB's Dividend Yield is comparable with the industry average which is at 3.54.
Compared to an average S&P500 Dividend Yield of 2.39, UCB pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.26% |
5.2 History
The dividend of UCB is nicely growing with an annual growth rate of 8.20%!
UCB has been paying a dividend for over 5 years, so it has already some track record.
As UCB did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)8.2%
Div Incr Years5
Div Non Decr Years5
5.3 Sustainability
UCB pays out 47.34% of its income as dividend. This is a bit on the high side, but may be sustainable.
UCB's earnings are growing around the same pace than its dividend. As long as the earnings growth is kept the dividend growth is sustainable.
DP47.34%
EPS Next 2Y9.46%
EPS Next 3YN/A
29.7
+0.23 (+0.78%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners86.02%
Inst Owner ChangeN/A
Ins Owners0.4%
Ins Owner Change3.24%
Market Cap3.61B
Analysts74.55
Price Target35.62 (19.93%)
Short Float %1.98%
Short Ratio3.65
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.26% |
Yearly Dividend1
Dividend Growth(5Y)8.2%
DP47.34%
Div Incr Years5
Div Non Decr Years5
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)7.68%
Min EPS beat(2)3.97%
Max EPS beat(2)11.39%
EPS beat(4)3
Avg EPS beat(4)6.46%
Min EPS beat(4)-2.15%
Max EPS beat(4)12.63%
EPS beat(8)5
Avg EPS beat(8)2.26%
EPS beat(12)5
Avg EPS beat(12)-1.12%
EPS beat(16)7
Avg EPS beat(16)1.12%
Revenue beat(2)0
Avg Revenue beat(2)-1.57%
Min Revenue beat(2)-2.43%
Max Revenue beat(2)-0.7%
Revenue beat(4)0
Avg Revenue beat(4)-5.42%
Min Revenue beat(4)-15.11%
Max Revenue beat(4)-0.7%
Revenue beat(8)0
Avg Revenue beat(8)-6.7%
Revenue beat(12)2
Avg Revenue beat(12)-4.78%
Revenue beat(16)4
Avg Revenue beat(16)-3.5%
PT rev (1m)4.9%
PT rev (3m)6.27%
EPS NQ rev (1m)0.55%
EPS NQ rev (3m)0.9%
EPS NY rev (1m)0%
EPS NY rev (3m)4.21%
Revenue NQ rev (1m)0.09%
Revenue NQ rev (3m)-0.03%
Revenue NY rev (1m)0.28%
Revenue NY rev (3m)0.47%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.12 | ||
| Fwd PE | 10.78 | ||
| P/S | 3.75 | ||
| P/FCF | 11.2 | ||
| P/OCF | 10.03 | ||
| P/B | 1.03 | ||
| P/tB | 1.42 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.45
EY8.25%
EPS(NY)2.76
Fwd EY9.28%
FCF(TTM)2.65
FCFY8.93%
OCF(TTM)2.96
OCFY9.97%
SpS7.91
BVpS28.83
TBVpS20.98
PEG (NY)1.1
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.91% | ||
| ROE | 7.24% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 26.36% | ||
| GM | N/A | ||
| FCFM | 33.5% |
ROA(3y)0.89%
ROA(5y)0.96%
ROE(3y)7.55%
ROE(5y)8.47%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-11.42%
PM growth 5Y-4.36%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.07 | ||
| Debt/FCF | 0.79 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 3.92% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 127.06% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC19.01%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)5.95%
Cap/Sales(5y)4.88%
Profit Quality(3y)152.01%
Profit Quality(5y)134.28%
High Growth Momentum
Growth
EPS 1Y (TTM)17.79%
EPS 3Y-9.37%
EPS 5Y-0.76%
EPS Q2Q%13.79%
EPS Next Y11.07%
EPS Next 2Y9.46%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)8.58%
Revenue growth 3Y10.44%
Revenue growth 5Y10.65%
Sales Q2Q%11.68%
Revenue Next Year8.4%
Revenue Next 2Y7.01%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-26.66%
FCF growth 3Y-3.11%
FCF growth 5Y17.88%
OCF growth 1Y-27.64%
OCF growth 3Y-0.9%
OCF growth 5Y17.84%